On a side note, I have never truly felt safe when using Apple Wallet, and here are my concerns,

1. What information does Apple get when I pay with Apple Wallet? Obviously, a card number, but do they also save and store information about the transaction?
2. Does paying with Apple Pay allow me to bypass Visa/Mastercard network? I mean that if Apple establishes the connection between my bank and the merchant's bank, it avoids the need to use the Visa/Mastercard network. Which efficiently means that they are becoming a paying network. If not, then Apple is just another middleman here?